Home Insurance in Rutherford County, Tennessee
Homes in Rutherford County carry a median value of $382,600 - 33% higher than the Tennessee median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Rutherford County was built around 2001. About 7% of homes were built before 1960, about 11 points below Tennessee's 18%.
The housing stock in Rutherford County is 74% single-family homes, 19% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
70% of owner-occupied homes in Rutherford County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Rutherford County are owner-occupied.
73% of homes in Rutherford County are primarily heated with electricity.
FEMA's National Risk Index lists winter weather (Very High), tornado (Relatively High) and earthquake (Relatively Moderate) as the leading hazards for Rutherford County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Rutherford County had 1,251 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $382,600 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Tornado (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,251 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)